How to get proof of your no-claims bonus

You’ve been a careful driver for years, nurturing your no-claims bonus so that it’ll reward you with valuable discounts on your insurance premiums. So, when you switch insurance providers for a better deal, you’ll definitely want to take it with you. To do that though, you’ll need proof.

You’ve been a careful driver for years, nurturing your no-claims bonus so that it’ll reward you with valuable discounts on your insurance premiums. So, when you switch insurance providers for a better deal, you’ll definitely want to take it with you. To do that though, you’ll need proof.

Kate Hughes
Insurance expert
4
minute read
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Last Updated 19 APRIL 2022

How to get proof of no-claims bonus

No-claims bonus or a no-claims discount (it’s all the same thing), whatever you call it, be warned – your provider won’t always send you proof of no claims automatically when you switch. 

Some new providers will ask your old provider for the proof of no-claims discount themselves – they’ll let you know if they do. 

If not, you may find the details on your renewal letter or on the cancellation notice you’ll receive if you’re switching. If not, contact your provider and ask them to send you the proof. 

Once you’ve forwarded proof to your new provider, you should get a letter from them, confirming they’ve received it. If you don’t hear anything, follow up to make sure they have it. 

Why your no-claims bonus matters 

Your no-claims discount (NCD) accrues for each year you’re on the road without making a claim on your car insurance. The longer you drive without a claim, the more discount you can potentially get – although insurance providers often cap bonuses at around five years.  

It’s worth having too, because your discount plays a vital role in the way your car insurance premium is calculated. In fact, although potential discounts vary by provider, the Association of British Insurers says that one claim-free year could net you up to 30% off, rising to 60% if you manage five years without making a claim. 

If you’ve switched to a new provider and stated your no-claims bonus (NCB) when you were quoted, you’ll need to give proof of the NCB – typically within seven to 21 days. If you can’t provide it by then, your insurance may be cancelled or your premium could go up.

How do I know how much no-claims bonus I have? 

If you’re not sure how much no-claims bonus you’ve built up over the years, your renewal letter or email is a good place to start. This’ll be sent out before your renewal date, meaning you’ll still have time to switch. If you can’t find it there, it could also be included on your cancellation notice, once you’ve made the switch. If you still can’t find it, it’s always best to just get in touch with your existing provider and ask them to send you proof of your existing no-claims discount.

How car insurance providers give proof of no claims 

Getting proof of no claims isn’t always straightforward, as insurance providers give (and accept) proof in different ways.

 So, when you switch, it’s a good idea to check what proof of no claims your new car insurance provider will need. Ask them what details they need to see on the document – the registration number of the car the discount applies to, for example – and whether they’ll accept a copy or scan. 

If they need the original, make sure you keep a copy for your own records.

Do insurance companies ask for proof of no-claims bonus? 

Yes. If you’re switching to a new car insurance provider and tell them you have an existing no-claims bonus in your application, they’ll probably need to see some proof. Don’t forget to check how they want your proof, as different insurance providers will ask for it in different ways. And then crack on – you only have a few weeks to get it to them and time is ticking.

How quickly do I have to prove my no-claims bonus?

If you switch to a new car insurance provider and have stated you have a no-claims bonus in your application, your new car insurance provider will probably require evidence within one to three weeks. If you can’t give them the proof they need in time, your policy might be cancelled, or your premiums will become more expensive.

How long does my no-claims bonus last? 

Your no-claims bonus will last for two years, after your car insurance has expired. So, if you don’t drive for more than two years, you’ll likely lose your no-claims bonus and have to start building it up again. If you’re renewing or switching your car insurance policy, then it’ll just continue to build. Unless you make a claim, of course. 

Protecting your no claims discount

Claiming for an accident where you’re at fault can mean losing that valuable no-claims discount, so some drivers choose to pay a fee, on top of their insurance premium, to protect it.  

But, bear in mind that this doesn’t necessarily mean your premiums won’t rise if you have a collision. Providers look at your driving history when they calculate your premium, so an accident could have an impact on how much you pay for your car insurance, even if you have a NCB.

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